General Terms of Use

You are currently viewing a page of the greatwesternbank.com web site or a related site (the “Site”) belonging to Great Western Bank or one of its subsidiaries (“GWB”).  This Site and any of the services provided by GWB in connection with this Site (the “Services”) are being provided to you expressly subject to these Terms of Use, which govern your use of the Site.  Please read these Terms of Use carefully.  By accessing the Site, you agree to be bound by these Terms of Use.  The Site is intended for individuals who are at least 13 years old.  If you are under the age of 13 years old, you should not be visiting this Site.

“Services” under these Terms of Use include financial services for consumers and business and business services offered to you directly by GWB, and such additional services as are available from independent third party service provides accessed through navigation from the Site.

Copyrights/Trademarks/Restrictions on Use

All of the pages and screens on the Site are owned and controlled by GWB, except as otherwise expressly stated, and are protected by US copyright laws and international treaties.  The copyrighted materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Site.  You are authorized to view the information available on the Site for your informational purposes only.  You may download copyrighted materials for your personal or internal business purposes only.  You acknowledge that you do not acquire any ownership rights by downloading copyrighted material.  You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public purpose without GWB’s prior written consent.  Great Western Bank®, its slogan, “Making Life Great®”, and the GWB “box” logo are federally registered trademarks owned by GWB.    Other featured words used on the Site identifying the source of goods and services may be trademarks and/or service marks owned by GWB or third parties.  You may not use, copy, display, distribute, modify, or reproduce any of the trademarks found on the Site, except as authorized in this paragraph.  You may not use any of the GWB trademarks as a link to the Site except pursuant to a written trademark license agreement.

This Site may contain links to Web sites controlled or offered by third parties (non-affiliates of GWB).  GWB hereby disclaims liability for any other company’s Web site content, products, privacy policies, or security.  In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site.  In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of GWB.  Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the linked site provider.


Prohibited Activities

You must not:

  1. Violate or attempt to violate the security of the Site.  Any such violations may result in criminal and/or civil penalties against you.  GWB may investigate any suspected violation and if a criminal violation is suspected, we will cooperate with law enforcement in their investigations;
  2. Send or otherwise transmit through the Site any unlawful, infringing, harmful, harassing, defamatory, threatening, hateful, or otherwise objectionable material of any kind, any material that can cause harm or delay the Site or computers of any kind, or any unsolicited advertising, solicitation or promotional materials;
  3. Misrepresent your identity in any way;
  4. Restrict, discourage or inhibit any person over whom you have no legal authority from using the Site, disclose personal information obtained from the Site, or collect information about users of the Site;
  5. Reverse engineer, disassemble, or decompile any section or technology on the Site, or attempt to do any of the following:
    1. Gain unauthorized access to the Site or computers or websites connected to or linked to the Site;
    2. Launch or use any automated system, including without limitation, “robots”, “spiders”, or “offline readers”, that access the Site in a manner that sends more request messages to our service in a given period of time than a human can reasonably produce in the same period by using a conventional web browser;
    3. Send or otherwise transmit through the site chain letter, unsolicited messages, so-called “spamming” or “phishing” messages, or messages marketing advertising goods and services;
    4. Violate any applicable laws or regulations or these Terms of Use;
    5. Assist or permit any persons in any of the activities described above.



Registered Information

You may be invited to register at the Site or help us tailor the Services for your personal and business financial needs and to alert you to other products and services for you and/or your business.  In registering for the Services, you agree to provide accurate, true, current, and complete information about you and/or your business as requested by the registration screens.  As a convenience to you, a profile for you and/or your business may be created based on the registration information that you provide.  This profile and any registration information you provide will be protected as described in our Privacy Policy.

Security

You shall use the Site in accordance with the security procedures established by GWB.  Once GWB has provided you with authenticating login information, GWB shall have no obligation to inquire into the validity of any Site inquiry, electronic communication, transaction input or distribution input, nor shall GWB be liable for acting on any authenticated communication to GWB via use of identification number issued to you, whether or not authorized by you.  Due to emerging technologies and ensuing changes in security practices, GWB reserves the right to supplement or change its security procedures from time-to-time upon reasonable notice to you. You agree to adhere to any such supplements or changes once they are communicated to You. You are responsible for maintaining the security and confidentiality of all IDs, passwords and other security devices issued to or by you (collectively, your “Internal Security Devices”).  You shall not permit unauthorized individuals to use your Internal Security Devices to access this Site.  You are responsible for the actions of any individuals using your Internal Security Devices to access the Site.  You shall promptly notify GWB if you have actual knowledge that the security of the Site has been compromised.  

Disclaimer

THE SERVICES ARE OFFERED ON AN “AS IS,”
“WHERE IS” AND “WHERE AVAILABLE” BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED, OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.  THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

YOU ACKNOWLEDGE THAT NEITHER GWB, ITS AFFILIATES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SERVICES AND THE SITE.  GWB DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES.  (THIS DOES NOT AFFECT ANY MANUFACTURER’S WARRANTIES THAT THE PROVIDERS OF THE LINKED SITES OTHERWISE OFFER.)

EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT GWB IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE, OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE.  TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, GWB WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.

General

GWB reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by following the link entitled “Terms of Use” on the GWB Site.  If you find the Terms of Use unacceptable at any time, you may discontinue your use of the Services.  By continuing to access the Site and use the Services after the date of any change to these Terms of Use, you agree to be bound by the rules contained in the most recent version of this agreement.

If you are enrolled in Online Banking or Mobile Banking:

  1. Your use of the Services is governed by our Online Banking Agreement, including any and all Addendums thereto, which incorporates these Terms of Use by reference, and
  2. If there is a conflict between these Terms of Use and the Online Banking Agreement, the Online Banking Agreement controls.

GWB reserves the right to modify or terminate the Services and the Site or to terminate your access to the Services and Site, in whole or in part, at any time.  These Terms of Use constitute a contract between you and GWB governed by the laws of the State of South Dakota.  If any provision of these Terms of Use is unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

Privacy

We understand the need to safeguard your information and records from unauthorized use and disclosure.  Please review GWB’s Privacy Policy.

Indemnification

You agree to defend, indemnify, and hold harmless GWB, its affiliates and their respective directors, officers, employees, and agents from and against all claims and expenses, including attorneys’ fees, arising out of your violation of these Terms of Use or misuse of the Service or this Site, including such violation or misuses conducted by your employee or agent, or any person who accesses the Site using your Internal Security Devices, if applicable.


Social Media Acceptable Content Use Policy (ACUP)

Great Western Bancorp, Inc. (updated December 2015)

Acceptable Content Use Policy for Great Western Bank social pages and accounts, including
LinkedIn, Facebook, YouTube, Google+, and more (“Social Network Sites”):

Thanks for interacting on Great Western Bank’s Social Network Site pages and accounts.
We welcome your comments, videos, images, photos and other submissions (“User Content”) on our Social Networks Sites. User Content will be reviewed by us and is subject
to our usage guidelines. We reserve the right to change these usage guidelines at any time.

  1. Do Not Disclose Personal Information: Never disclose your personal information, details, or any other sensitive information. We will never ask you for protected personal information such as your social security number, account information, contact information, or other private data. Your disclosures and posting on Social Network Sites including on our pages and accounts are subject to the control, terms of use and disclosures including data use and privacy of those sites. Great Western Bank is not responsible for each site’s actions, omissions, terms, privacy and security policies.

  2. Non‐Confidential Submissions: We welcome submission of your User Content. All User Content will be considered submitted on a NON‐CONFIDENTIAL and NON‐PROPRIETARY basis.

  3. Warranties and Representations on User Content: By submitting User Content, you warrant and represent that you own or otherwise have the right to use the content of your User Content, including any and all intellectual property interests. We follow all laws governing copyrights, trademarks, trade secrets, and other applicable laws.

  4. Moderation: Great Western Bank reserves the right to refuse to post, moderate, or remove all User Content. Great Western Bank further reserves the right to refuse or delete Objectionable Content (as defined below) and/or any other User Content that in its sole discretion Great Western Bank deems infringing or inappropriate. Great Western Bank, in its sole and absolute discretion, may preserve User Content and may also disclose User Content if required to do so by law or judicial or governmental mandate or as reasonably determined useful by Great Western Bank to protect the rights, property, or personal safety of users and the public. Great Western Bank does not guarantee the accuracy, integrity or quality of User Content. Under no circumstances will Great Western Bank be liable in any way for any User Content, including, but not limited to, liability for any errors or omissions in any User Content or for any loss or damage of any kind incurred as a result of the use of any User Content posted or otherwise transmitted. You should exercise discretion before relying on information in User Content as such User Content may contain false or otherwise misleading information, and you do so at your own risk.

  5. USER CONTENT IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION.

  6. DISCLAIMER OF LIABILITY: GREAT WESTERN BANK SPECIFICALLY DISCLAIMS ANY AND ALL REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, AS TO USER CONTENT, INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATIONS OR WARRANTIES OF ACCURACY, COMPLETENESS, TIMELINESS, NON‐INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. GREAT WESTERN BANK WILL NOT BE LIABLE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR IN PART BY PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING USER CONTENT.

  7. Great Western Bank follows the “Good Samaritan” protection of US Code 230: Protection for private blocking and screening of offensive material whereby “No provider or user of an interactive computer service shall be held liable on account of— any action voluntarily taken in good faith to restrict access to or availability of material that the provider or user considers to be obscene, lewd, lascivious, filthy, excessively violent, harassing, or otherwise objectionable, whether or not such material is constitutionally protected.” Great Western Bank further asserts Objectionable Content Prohibitions whereby you agree that you will not submit Objectionable Content or engage in Objectionable Activities, which includes the following: 

    • i.Transmitting any content or otherwise participating in any activity that is prohibited by law in any applicable jurisdiction, including laws governing the encryption of software, data privacy or protection, the export of technology, the transmission of obscenity, copyright law, or the permissible uses of intellectual property;

    • ii.Uploading, or otherwise making available, files that contain video, images, software, or other material protected by intellectual property or right of privacy / publicity laws, including, by way of example, copyright or trademark laws, unless you own or control the rights thereto or have received all necessary consents to submit such materials to the Page;

    • iii. Using any material or information in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party;

    • iv. Uploading, posting, transmitting or otherwise making available any content that is unlawful, harmful, threatening, abusive, harassing, tortious, denigrating, vulgar, obscene, libelous, invasive of another’s privacy, inflammatory, discriminatory or otherwise objectionable;

    • v. “Stalking” or otherwise harassing or harming another;

    • vi. Promoting yourself or your business; your User Content must not be self‐serving and absolutely no type of advertising or solicitation efforts will be allowed;

    • vii. Impersonating any person or entity or falsely stating or otherwise misrepresenting your affiliation with a person or entity or collecting or storing personal data about other users in connection with the prohibited conduct and activities;

    • viii. Uploading, posting, transmitting or otherwise making available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

    • ix. Uploading, posting, transmitting or otherwise making available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;

    • x. Uploading, posting, transmitting or otherwise making available any material that contains software viruses, Trojan horses, worms, time bombs, corrupted files, or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment, or that may damage or interfere with the operation of another’s computer or property of another;

    • xi. Attempting to gain unauthorized access to any accounts, computer systems or networks, through hacking, password mining or any other means or obtaining or attempting to obtain any materials or information through any means;

    • xii. Violating, intentionally or unintentionally, any applicable local, state, national or international law, these Guidelines, or the social network site’s policies and procedures;

    • xiii. Providing material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act;

    • xiv. Forging headers or otherwise manipulating identifiers (including URLs) in order to disguise the origin of any materials, or deleting or altering any attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other uploaded material; and/or

    • xv. Collecting information about others, including e‐mail addresses or other personal information.